A Guide to Insurance in the USA

Accident & Sickness Insurance A Guide to Using Insurance in the United States

Health care in the U.S. is very different from health care in other countries!

Non-Emergencies – You must have a general practice doctor whom you can see for non-emergency accidents and illnesses like a cold or sore throat.

Emergencies – You should only visit urgent care centers, hospitals or emergency rooms if there is an actual emergency, such as a broken bone or serious cuts and burns. Costs for using emergency rooms for non-emergency illnesses can be up to 75% more expensive than visiting a general practice doctor.

Accident & Sickness Insurance Guide:

Before Arrival:

Familiarize yourself with your insurance policy.

Be sure to understand the maximum amounts of coverage, the services/procedures that are covered, deductibles, co-pays, etc.